Drydensfairfax harrassement

[stuffthebanks]

Re: Drydensfairfax harrassement

Hi all,
Hope things are going ok with you all.
Tell you what, a few days away certainly help clear the head.
This account with DrydensFairfax has tested my grey matter to the limit.

It turns out that both myself and my OH both have accounts being handled by this bunch, and it appears that they have mixed up the amounts paid by us both, which has in turn confused me.
I have been making payments on my account according to my bank statements since at least last October 2013 of £7.89.
My OH has been making payments of £5.80 since that time.
I had a letter from them in January 2014 stating that i had been making payments of £5.80 for some considerable time and the account was in need of review.
I then received an update from them in February 2014 stating that my offer to repay on the account £7.89 per month starting from 20th March had been accepted for 3 months.

After receiving a letter from them today saying that due to numerous defaults on the payment arrangements they have now passed on to their legal team for review.

Now as i see it they have made some errors here that as solicitors should not have occurred.

I was never making payments of £5.80.
They told me my new payment arrangement was at £7.89 for 3 months.
This amount was already being made regularly on or around the 15th of each month.
They then send me 2 letters stating i have broken my payment agreement, that they had stated needed paying on the 20th of each month.
Then the last one saying i have defaulted on numerous occasions.
On top of that i have also made an additional payment of £5.00 earlier this month, and extra today, because i was sure i had still been paying £5.80......
So i have in fact never defaulted on the agreement, and have actually overpaid.

Of course its not helped because of my inability recently to concentrate and poor memory, caused by some serious stress over the past few months.

The break has now helped, and i am back in the groove, and if anyone can understand any of my ramblings, i would appreciate on how i should respond to Drydens over what has been a balls up on there behalf.....

[stuffthebanks]

Re: Drydensfairfax harrassement

Thanks Elsa.....

[Undercover Elsa]

Re: Drydensfairfax harrassement

Not a problem Steve, we all get in a tiz from time to time! Just glad it's all sorted

[stuffthebanks]

Re: Drydensfairfax harrassement

Hi all,
Hope you and your loved ones are ok.
Well,hold my hands up....i cocked this one up......
No excuses,but i have been through a mad start to this year, with my daughters health issues, and a mad time at work........there you go, no excuses.......
Having sifted through masses of paperwork, i had let it slip, i found a new payment mandate from Fairfax agreeing a new payment plan over 3 months.
I had a standing order set up, and the payments were being made.
Not at the new amount agreed, and the date had been changed from the beginning of each month to 20th.
I have just made a payment online covering the shortfall in March and April's payments, and sent an email advising them i would make May's payment of the correct amount at the end of the month when i get paid again.
I also apologized for my mistake.
Sorry for wasting your time on this one everyone, i have given myself a hard slap and a good talking to.

Thanks again all

Steve

[stuffthebanks]

Re: Drydensfairfax harrassement

Its not unusual, in all walks of life, for a person in the accounting department, to incorrectly assign a payment to the wrong month.

I and my wife have both had similar experiences with different organisations quite recently.

Infact my nans carehome recently hit us with an overdue bill of nearly 2k, it wasn't until I asked them for proof of when they receive payments against which month it was paid for, that they realised they had been assigning early payments, as late ones for previous months. When re calculated, it was shown that the payments were in fact a month a head of the due dates. Thus the over due balance wasn't actually due yet.

Thanks SXGuy,
I think this is what has happened with my account.

[stuffthebanks]

Re: Drydensfairfax harrassement

Send em a quickie explaining what you are doing and that as far as you are aware the payment is made well in advance of when its due rather than it being sent late each month. Tell em you need 7 days to review the account history since that arrangement was entered into and suggest that they do the same so that you can reconcile records and correct and mistakes between you.
that will show good will and should stop them doing anything untoward whilst you find out whether its you or them that is right about the payment timing.

Thanks ATW,
Good advice, i will ping that off to them.

Steve

[stuffthebanks]

Re: Drydensfairfax harrassement

You are not counting the spaces Steve........count the two, one after 'stuff' and one after 'the' makes 15, that's why you received my PM

EDIT: You could take the spaces out and be stuffthebanks.........

Thanks if,
Told you i couldn't count.
Happy days is fine....

[SXGuy]

Re: Drydensfairfax harrassement

Its not unusual, in all walks of life, for a person in the accounting department, to incorrectly assign a payment to the wrong month.

I and my wife have both had similar experiences with different organisations quite recently.

Infact my nans carehome recently hit us with an overdue bill of nearly 2k, it wasn't until I asked them for proof of when they receive payments against which month it was paid for, that they realised they had been assigning early payments, as late ones for previous months. When re calculated, it was shown that the payments were in fact a month a head of the due dates. Thus the over due balance wasn't actually due yet.

[ATW]

Re: Drydensfairfax harrassement

Hello Wavy,
Thanks for the link to Tasty Jane's thread...
I will have to go over history of payments to find out if what you said is actually happening.
Thanks for the input, i never gave that a thought.
Will update once i find out...
Thanks again..
Steve

Send em a quickie explaining what you are doing and that as far as you are aware the payment is made well in advance of when its due rather than it being sent late each month. Tell em you need 7 days to review the account history since that arrangement was entered into and suggest that they do the same so that you can reconcile records and correct and mistakes between you.
that will show good will and should stop them doing anything untoward whilst you find out whether its you or them that is right about the payment timing.

[Never-In-Doubt]

Re: Drydensfairfax harrassement

Hello Nidds,
Yes, i changed my name from stuff the banks because i misunderstood the message from mods.
I cant count, names with14 letters and more, mine only had 13, so i didn't have to change name after all....

with spaces it was 15 characters matey

[IF]

Re: Drydensfairfax harrassement

Hello Nidds,
Yes, i changed my name from stuff the banks because i misunderstood the message from mods.
I cant count, names with14 letters and more, mine only had 13, so i didn't have to change name after all....

You are not counting the spaces Steve........count the two, one after 'stuff' and one after 'the' makes 15, that's why you received my PM

EDIT: You could take the spaces out and be stuffthebanks.........

[stuffthebanks]

Re: Drydensfairfax harrassement

Hi

TastyJane had a similar problem recently, except that she was getting the letters from J&P (don't know who they are).

http://forums.all-about-debt.co.uk/s...E-diary/page12 (post# 228 &233)


EDIT: I note that they say that the payment was due on 20th, and you say it was paid on 1st. Are you sure that you are paying in advance of the due date rather than 10/11 days after the due date (and into the next calendar month)? In their reply to your snot-o-gram, did they acknowledge that you were up to date?

Hello Wavy,
Thanks for the link to Tasty Jane's thread...
I will have to go over history of payments to find out if what you said is actually happening.
Thanks for the input, i never gave that a thought.
Will update once i find out...
Thanks again..
Steve

[stuffthebanks]

Re: Drydensfairfax harrassement

Oh you're STB - lol, I wondered why I didn't recognise Happy Days

Hello Nidds,
Yes, i changed my name from stuff the banks because i misunderstood the message from mods.
I cant count, names with14 letters and more, mine only had 13, so i didn't have to change name after all....

[Never-In-Doubt]

Re: Drydensfairfax harrassement

Oh you're STB - lol, I wondered why I didn't recognise Happy Days

[Still Waving]

Re: Drydensfairfax harrassement

Hi

TastyJane had a similar problem recently, except that she was getting the letters from J&P (don't know who they are).

http://forums.all-about-debt.co.uk/s...E-diary/page12 (post# 228 &233)


EDIT: I note that they say that the payment was due on 20th, and you say it was paid on 1st. Are you sure that you are paying in advance of the due date rather than 10/11 days after the due date (and into the next calendar month)? In their reply to your snot-o-gram, did they acknowledge that you were up to date?